OP, if you have uninsured motorist (UM) coverage, know that it is optional in Florida, but mandatory in many other states. Some people will disagree, but I save a few hundred dollars per year by rejecting UM coverage. For many retirees, it is not needed and it is mostly redundant with your medical insurance. I certainly don't need it. I have collision, comprehensive, and liability coverage only. I don't have a golf cart.
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